What is a bank statement loan?

A type of Non-QM loan where you qualify using 12-24 months of personal or business bank statements instead of tax returns or W-2s. Popular with self-employed borrowers whose tax returns don't reflect their actual income.

Are Non-QM loans safe?

Yes. Non-QM doesn't mean subprime. These are legitimate mortgage products with responsible underwriting — they just use different documentation methods than conventional loans. They became more regulated after the 2008 crisis.

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Non-QM Loans in San Francisco, CA

Find lenders offering non-qm loans in the San Francisco, including Oakland, Berkeley, San Mateo, and surrounding areas. Compare rates, terms, and programs from 33 lenders.

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Lenders

Typical Rate

6.5% - 10%

Down Payment

10-25%

Term

15-30 years

Closing Time

2-4 weeks

Non-QM Lenders Serving San Francisco

33 lenders offering non-qm loans in the San Francisco, CA area.

Athas Capital Group

Local

Wholesale non-QM lender offering bank statement, DSCR, asset qualifier, and foreign national programs.

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Carrington Mortgage Services

Local

Anaheim, CA

Non-QM specialist accepting credit scores as low as 500-550. Programs for borrowers with recent bankruptcy, foreclosure, or non-traditional income. Government and conventional loans too.

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Griffin Funding

Local

Nationwide DSCR lender. No income verification, DSCR as low as 0.75. Up to $5M loan amounts. Also offers VA, conventional, and non-QM loans.

$100K – $5M

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JMAC Lending

Local

DSCR loans available in select states. Min DSCR 0.75, max LTV 75%, min FICO 660-700.

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New American Funding

Local

Tustin, CA

Large national lender offering non-QM programs including bank statement loans, asset-based loans, and jumbo non-QM. Max loan $2.5M. Also offers conventional and government loans.

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Truss Financial Group

Local

Tailored DSCR and non-QM mortgage solutions. 30-year fixed DSCR loans from $100K to $3M. Also offers 'no ratio' loans.

$100K – $3M

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Acra Lending

Local

Wholesale non-QM lender with a dedicated DSCR program for investment properties. Offers bank statement, asset qualifier, and foreign national programs alongside DSCR.

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Newfi Wholesale

Local

Emeryville, CA

Wholesale lender offering DSCR investor loans alongside bank statement, asset qualifier, and jumbo non-QM products. Known for flexible underwriting guidelines.

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HomeXpress Mortgage

Local

Wholesale non-QM lender offering DSCR loans for 1-4 unit investment properties. Fast turn times with competitive investor pricing and no income verification required.

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Oaktree Funding

Local

Wholesale non-QM lender providing DSCR loans for real estate investors. Specializes in bank statement, asset depletion, and investor cash flow programs.

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Kind Lending

Local

Santa Ana, CA

Wholesale lender founded by industry veterans offering DSCR loans for rental investors. Competitive non-QM products with fast underwriting and broker-friendly service.

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Change Lending

Local

Wholesale lender with a dedicated DSCR program for real estate investors. Offers competitive non-QM products including bank statement and asset qualifier loans.

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A&D Mortgage

Fort Lauderdale, FL

Wholesale non-QM lender. DSCR loans with 0 minimum DSCR, 80% max LTV, min FICO 620.

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Angel Oak Mortgage Solutions

Atlanta, GA

Major non-QM and DSCR lender. Investor cash flow loans up to $1.5M. 40-year terms with interest-only options. No limit on properties.

$100K – $2M

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CrossCountry Mortgage

Cleveland, OH

Large national lender offering DSCR, bank statement, and non-QM mortgage products alongside conventional and government loans.

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San Francisco Commercial Real Estate Market

San Francisco's CRE market has undergone significant recalibration as remote work reduced traditional office demand, particularly in the Financial District and SoMa neighborhoods that housed major tech tenants. The city's office vacancy rate climbed to historic highs in 2024-2025, creating opportunities for value-add investors and adaptive reuse conversions to residential and life sciences uses. The Mission Bay submarket, anchored by the UCSF Medical Center campus and the Chase Center, has shown more resilience with biotech and healthcare tenancy. South of Market and the Dogpatch neighborhood continue to attract AI and machine learning startups, and the city remains one of the highest-rent markets in the country despite the correction.

Key Economic Drivers

●AI and machine learning companies (OpenAI, Anthropic, and venture-backed startups)
●UCSF Medical Center campus and Mission Bay biotech cluster
●Salesforce, major tech headquarters, and financial services firms
●Tourism and convention activity centered on Moscone Center

Market Insight

San Francisco adopted a transfer tax incentive for office-to-residential conversions in the downtown core, waiving the city's 5.5% transfer tax for qualifying projects to accelerate repurposing of vacant office towers in the Financial District.